Advice please

michelle45_2

Its just one of those days, im sat at work not able to do anthing but hold back tears and work out how I can just disappear. My debt is so unmanageable at the moment. I can see a light at the end of the tunnel in 6 months when 2 loans are finished and released £400.00 to pay my cc but how to manage until then.

I dont want to take an IVA out cos my debts are over 15000 as I would like to get a mortgage in 2 years. My job is secure so no worries there and I realise my position is not as terrible as some on this board, but when its happenning you feel so selfish and think nobody else knows what you are going through and I cant talk at home.

I have done a SOA and there is nothing I can cut back on as Ive already done so, my salary is just consumed with paying off my debts. How Ive let myself get into this I dont know. It was ok whilst I was in receipt of Tax Credits and Maintenance but now theyve stopped I cant make up the shortfall.

SOrry for the rant but even if nobody can answer me I feel better by putting it into writing.

PS Ive rung BOS who have said they will look each month at what I can pay - so thats a start I expect.

Thanks

Michelle

gonzo127

well if you have a SOA you could post it up here for everyone to have a look at and maybe spot something you missed

the other one is contact one of hte debt charities CCCS payplan etc they might be able to help you and get a DMP together for you for the short term at least which could freeze interest and give you a set monthly payment whicvh they will distribute for you

GeorgeUK

Are you able to request a payment holiday from any loans or mortgage?

Tixy

Hi michelle

Have you posted the SoA on here for other people to see if they can spot savings - its not always about cutting back sometimes its about getting the same items/service but paying less for it.

Have you been in touch with CCCS or any of these? - http://forums.moneysavingexpert.com/showthread.html?t=2077631